Pet Insurance for Dogs and Cats

About Pets Best Insurance

If you’re like many pet owners today, you’ll do whatever it takes to keep your pet happy and healthy. Our plans help make that possible by offering reimbursement levels of 70%, 80% or 90%, after a deductible. We also offer a 100% level of reimbursement.

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BOISE, Idaho, (Oct. 4, 2010) — Payment reimbursements just became more convenient for pet owners with the introduction of the new Pets Best Direct Deposit program.

The innovative service allows Pets Best policyholders to quickly and easily file their claim online, and once approved, reimbursements can be deposited directly into their bank account. Pet owners typically pay their veterinary bill at the time when services are rendered, and then file a claim for insurance reimbursement. The addition of this program makes Pets Best the only pet insurance company to offer a fully automated simple, fast and convenient online claims submission and reimbursement process.

“Our customers have told us that prompt payment of claims is very important to them,” said Jack Stephens D.V.M., founder of Pets Best Insurance. “We’ve taken the steps to not only make the claims process faster, but much more convenient for our policyholders. With our new Direct Deposit program, our policyholders no longer have to wait for the mail and make a trip to the bank to have their claims paid and access their funds.”

All Pets Best Insurance customers are eligible for the Pets Best Direct Deposit reimbursement service. Policyholders who opt for this program can update their reimbursement information through the Pets Best Insurance customer portal.

Customers who prefer to continue filing their claims via mail or fax and receiving their reimbursement in the form of a paper check can continue to do so.

The Pets Best Insurance Plans and Advantage
Pets Best Insurance offers three standard plans for accidents, illnesses and injury: The Pets Basic plan, which comes with a $100, $250 or $500 deductible; a $2,500 per incident limit and a $42,500 lifetime limit, the Pets First plan, which comes with a $100, $250 or $500 deductible; a $7,000 per incident limit and a $100,000 lifetime limit, or the Pets Premier plan, which comes with a $250 or $500 deductible; a $14,000 per incident limit and a $100,000 lifetime limit.

Veterinarians and pet owners have enjoyed the advantages of insuring their pets with Pets Best Insurance since 2005. The company provides a straightforward 80 percent reimbursement of eligible fees for veterinary services after the deductible has been met. Advantages of Pets Best Insurance include:

• No upper age restrictions – no pet is excluded from coverage or has benefits reduced based on age
• Simple, fast and convenient online claim submission and reimbursement – most approved claims processed and paid within 5 days or less.
• Covers care provided by licensed veterinarian – plans cover all licensed veterinarians, specialists and emergency care veterinarians

Cat insurance can be a lifesaver for not only your cat but for your wallet and bank account as well. It only takes one diagnosis of a disease and your cat will require treatment for the rest of his life. The costly treatments can be a financial burden if your cat is not covered by cat pet insurance.

Once your cat exhibits any cat illness symptoms, you need to have them examined by your veterinarian. Because most cat diseases have similar symptoms, various tests will need to be performed to rule out other diseases and to diagnose what disease the cat has. Some of the tests that need to be performed may include blood tests and urinalysis.

After a diagnosis is made, treatment for the disease can begin. The treatment that is needed will depend on the disease that is diagnosed. If the cat is very ill, a hospital stay may be needed in order to get the cat stabilized before they can return home. Treatment for the disease is then continued at home. The cost of treatments for diseases can add up. Having pet insurance will allow you to provide the treatment your cat needs without having to worry about the costs of their care.

In addition to illnesses, cat health insurance covers accidents as well. If the cat needs a trip to the emergency room, you don’t necessarily worry. Some cat insurance providers will help cover the treatments needed, even at an emergency or specialist clinic. Cat insurance allows you to concentrate on getting your cat healthy without having to worry about financial implications.

When a dog has cancer, he can exhibit one pet health symptom or numerous symptoms associated with the disease. Dogs can develop cancer at anytime in their lives, but they are most susceptible to the disease once they become middle-aged. Cancer is the leading cause of death in dogs over the age of ten.

The dog cancer symptoms that develop depend on the type of cancer the dog has. A common symptom of skin cancer is abnormal swellings or growths on the body that do no go away with time or that continue to get larger. A sign of dog lymphoma is swelling of the lymph nodes that are located throughout the body.

Weight loss is another common sign of cancer in dogs. The dog may or may not have a loss of appetite associated with the weight loss. Dogs may experience difficulty eating or swallowing. This is common in dogs that have oral cancer or enlarged lymph nodes in the neck from lymphoma.

Dogs with cancer may exhibit lethargy or a loss of energy. A dog with bone cancer may experience lameness or increased stiffness in the limbs. Difficulty breathing, urinating and defecating may occur with any type of cancer.

Dog health care needs to be monitored when they display symptoms of cancer, as their health can deteriorate quickly. It’s important to take your dog to the veterinarian as soon as he begins exhibiting any symptoms of the disease. Having dog health insurance will allow you to get your dog diagnosed and treated quickly. Due to the nature of cancer, a delay in getting your pet checked out could be the difference between life and death.

Pet dog and cat insurance is as important for pet health as human health insurance is for their human counterparts. A severe injury or a serious illness can leave pet owners with a large amount of medical debt.

Having dog health insurance in place can allow the pet owner to get the treatment their pet needs without having to worry about the financial burden it could cause without it.

In an emergency situation, the last thing a pet owner wants to focus on his how much the veterinarian bill will cost. Owners instead want to concentrate on getting their ill or injured pet the care they need. Therefore, Pet insurance allows owners to concentrate on getting their pet in prime pet health.

Without dog or cat insurance the diagnosis of a disease can be detrimental to a pet owner’s wallet. The cost of diagnosing a disease can include several tests, such as blood work, urinalysis, x-rays, ultrasounds and even C.A.T. scans. Once a dog or cat is diagnosed with a disease the treatment can then begin– and without pet insurance treatment costs can add up rapidly.

Treatment for the disease will likely have to continue for the life of the dog or cat. Treatment may include daily medication, weekly administration of fluids, monitoring the pet via repeated blood work and even periodic hospitalizations.

Having cat or dog health insurance from the time your pet is young can help eliminate the financial worry that comes with owning an aging or accident-prone pet. Give yourself peace of mind by having your pet covered with pet insurance in case of the “what ifs.”

Posted by: H.R.
Pets Best Insurance Editorial Manager
Finding pet insurance online is simple. You can do this as easily as typing the term “what’s the best pet insurance” into a search engine to begin your research.

The problem is you may not know which of these companies actually offers pet care insurance that is worth the price of the policy. Some companies may offer the lowest monthly premium but little coverage when your pet needs it– and some companies may have caps on the percentage that they will reimburse pet owners. When you buy pet insurance online, make sure you clearly understand the plan and the coverage provided.

The advances in veterinary care now provides treatment options that may not have been available before. With these new options comes increases in the expense of owning a pet. Health insurance for pets allows pet owners to get treatment for their pets without worrying about financial repercussions.

Before you buy pet insurance online, be sure you are clear on what is covered and more importantly how much of the actual veterinarian’s bill are they are going to reimburse you. Be cautious of companies with benefit schedules that limit your treatment options and the amount they will reimburse for the treatment.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by Independence American Insurance Company, a Delaware insurance company. Independence American Insurance Company is a member of The IHC Group, an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. For information on The IHC Group, visit: www.ihcgroup.com. Additional insurance services administered by Pets Best Insurance Services, LLC are underwritten by Prime Insurance Company. Each insurer has sole financial responsibility for its own products.

Please note: This blog is designed to be a community where pet owners can learn and share. The views expressed in each post are the opinion of the author and not necessarily endorsed by Pets Best Insurance. Always consult your veterinarian for professional advice.